The Risk Aversion of Banks in Emerging Credit markets: Evidence from India
dc.contributor.author | Bhaumik, Sumon Kumar | en_US |
dc.contributor.author | Piesse, Jenifer | en_US |
dc.date.accessioned | 2006-08-01T15:42:02Z | |
dc.date.available | 2006-08-01T15:42:02Z | |
dc.date.issued | 2005-08-01 | en_US |
dc.identifier.other | RePEc:wdi:papers:2005-774 | en_US |
dc.identifier.uri | https://hdl.handle.net/2027.42/40160 | en_US |
dc.description.abstract | Using bank-level data from India, for nine years (1995-96 to 2003-04), we examine banks’ behavior in the context of emerging credit markets. Our results indicate that the credit market behavior of banks in emerging markets is determined by past trends, the diversity of the potential pool of borrowers to whom a bank can lend, and regulations regarding treatment of NPA and lending restrictions imposed by the Reserve Bank of India. Finally, we find evidence that suggest that credit disbursal by banks can be facilitated by regulatory and institutional changes that help banks mitigate the problems associated with enforcement of debt covenants and treatment of NPA on the balance sheets. On the basis of these results, we speculate on some possible policy recommendations. | en_US |
dc.format.extent | 64682 bytes | |
dc.format.extent | 3151 bytes | |
dc.format.extent | 151245 bytes | |
dc.format.mimetype | text/plain | |
dc.format.mimetype | text/plain | |
dc.format.mimetype | application/pdf | |
dc.language.iso | en_US | en_US |
dc.relation.ispartofseries | 774 | en_US |
dc.subject | Indian Banking, Development, Credit-to-Deposit Ratio, Risk Aversion | en_US |
dc.subject.other | G21, O16 | en_US |
dc.title | The Risk Aversion of Banks in Emerging Credit markets: Evidence from India | en_US |
dc.type | Working Paper | en_US |
dc.subject.hlbsecondlevel | Economics | en_US |
dc.subject.hlbtoplevel | Business | en_US |
dc.description.bitstreamurl | http://deepblue.lib.umich.edu/bitstream/2027.42/40160/3/wp774.pdf | en_US |
dc.owningcollname | William Davidson Institute (WDI) - Working Papers |
Files in this item
Remediation of Harmful Language
The University of Michigan Library aims to describe library materials in a way that respects the people and communities who create, use, and are represented in our collections. Report harmful or offensive language in catalog records, finding aids, or elsewhere in our collections anonymously through our metadata feedback form. More information at Remediation of Harmful Language.
Accessibility
If you are unable to use this file in its current format, please select the Contact Us link and we can modify it to make it more accessible to you.